1/17/14 Compare old Jeevan Anand Plan No 149 to New Jeevan Anand Plan No 815 | New LIC Plans in 2014 - LIC Plans & Policies

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Compare old Jeevan Anand Plan No 149 to

New Jeevan Anand Plan No 815

LIC Launches New Jeevan Anand Plan (Table No. 815). As per the rule ofIRDA most of the LIC plans are revised.

Below are the list of changes done in new Jeevan Anand Plan (Table No.815) compared to old Jeevan Anand Plan (Table No. 149).

Jeevan Anand (Plan No. 149)New Jeevan Anand (Plan No.815)

MaturityBenefit

Basic Sum Assured along withVested Simple ReversionaryBonuses and Final AdditionalBonus, if Any.

Basic Sum Assured along withVested Simple ReversionaryBonuses and Final AdditionalBonus, if Any

DeathBenefit

During the policy term - BasicSum Assured(BSA) along withVested Simple ReversionaryBonuses and Final AdditionalBonus, if any.

After expiry of policy term -

Basic Sum Assured

During the policy term - ‘Sum Assured on Death’ along withVested Simple ReversionaryBonuses and Final AdditionalBonus, if any.

After expiry of policy term -

Basic Sum Assured

SurvivalBenefit

No Change No Change

Age atentry

18 to 65 years 18 to 50 years

Age atMaturity

Maximum 75 Years Maximum 75 Years

PolicyTerm

5 to 57 years 15 to 35 years

Premiummode

Yearly, Half-yearly, Quarterly,Monthly (SSS or ECS)

Yearly, Half-yearly, Quarterly,Monthly (SSS or ECS)

Basic SumAssured

100000 and above100000 and above ( Inmultiples of 5000)

SurrenderValue

Available after completion of 1year.

Available at any time duringthe policy term subject torealisation of the premiumcheque.

Available after payment

List of LIC Policies

New Money Back plan for 25 Years -

821

New Money Back plan for 20 Years -

820

Single Premium Endowment Plan - 817

New Bima Bachat Plan - 816

New Jeevan Anand Plan - 815

New Endowment Plan - 814

Flexi Plus - 811

New Jeevan Nidhi - 812

BIMA Account

BIMA Account II Policy

BIMA Account I Policy

Retire and Enjoy Pension

New Janaraksha - 91

Bima Bachat - 175

Jeevan Chhaya -103

Jeevan Vaibhav -809

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1/17/14 Compare old Jeevan Anand Plan No 149 to New Jeevan Anand Plan No 815 | New LIC Plans in 2014 - LIC Plans & Policies

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Surrender Value under Jeevan Saral Plan

(T- 165)

Special Surrender Value under Jeevan Saral

Plan (T- 165). Jeevan Saral Plan (T-165)

was introduced with effect from 16th

February 2004 vide...

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Loan

Available after paymentof 3 full yearspremiums.Loan granted shall be90% of the SurrenderValue in case of inforcepolicies and 85% of theSurrender Value in caseof Paid-up policiesirrespective of thepolicy term.Foreclosure action wasinitiated on default of 2or more half-yearly loan interestinstallments.

Available after paymentof 3 full years premiumsThe maximum amountof loan that can begranted as a percentageof Surrender Value shall depend on the PolicyTerm.Foreclosure action shallnot be taken under fullypaid-up and inforce policies even if there isa default of loaninterest.

GuaranteedSurrenderValue (GSV)

Available after paymentof 3 full yearspremiums.GSV shall be equal to30% of the totalpremiums paid lessFirst Year Premium and extra premium, if anyCash Value of vestedbonuses, if any

Available after paymentof 3 full yearspremiums.GSV shall be apercentage of totalpremiums paid (net oftaxes) excluding extrapremium, if any andpremium paid forriders,if opted for.Examples of GSVfactors applicable fortotal premiums paidPolicy Year ~ GSV factor 3 = 30% 5 = 50%

t -1 = 80%(t=Policy Term)

SpecialSurrenderValue (SSV)

Surrender Value shallbe the discounted value of the Paid-upSum Assured andvested simplereversionary bonuses.The discount factorsshall be surrender valuefactors as provided inTable-1A and 2A(wholelife) of the SpecialSurrender Value Bookletand will depend uponthe policy term andduration elapsed sincethe commencement ofthe policy.

Surrender Value shallbe the discounted value of the Paid-upSum Assured andvested simplereversionary bonuses.The discount factorsshall be Specialsurrender value factorsas provided in Table-1Aand 2A(Whole life) ofthe Special SurrenderValue Booklet and willdepend upon the policyterm and durationelapsed since thecommencement of thepolicy.

OtherChanges

A Policy may berevived within a periodof 5 years from thedate of first unpaidpremium.Accident Benefit inbuilt.Taxes, if any , wereborne by thecorporation.

A Policy may berevived within a periodof 2 years from thedate of first unpaidpremium.,Accident Benefit as arider.Taxes, if any, shall beapplicable at theprevailing rates andborne by thepolicyholder as perrules.

NOChanges in

Back DatingGrace PeriodPaid-up ValueAssignment/Nomination

Back DatingGrace PeriodPaid-up ValueAssignment/Nomination

Jeevan Anand - 149

Jeevan Saral - 165

Jeevan Vriddhi - 808

Jeevan Chhaya - 103

Jeevan Ankur -807

Child Career Plan - 184

Child Future Plan - 185

Komal Jeevan - 159

Jeevan Kishore - 102

Jeevan Vaibhav - 809

Jeevan Amrit - 186

Jeevan Mitra-Triple - 133

Jeevan Mitra-Double - 88

Jeevan Arogya - 903

Money Back Policy

Jeevan Bharati – I - 192

Money Back 25Y - 93

Money Back 20Y - 75

New Bima Gold - 179

Jeevan Akshay-VI - 189

Jeevan Nidhi - 169

Jeevan Pramukh - 167

Jeevan Shree - 162

Samridhi Plus - 804

Pension Plus - 803

Amulya Jeevan-I - 177

Anmol Jeevan-I - 164

Jeevan Tarang - 178

1/17/14 Compare old Jeevan Anand Plan No 149 to New Jeevan Anand Plan No 815 | New LIC Plans in 2014 - LIC Plans & Policies

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Labels: Jeevan Anand, New Jeevan Anand, Plan No 815, Table No 815

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